Information You Provide and How We Use It: Affordable Benefit Choices, LLC uses this Website to collect two (2) kinds of information: personally identifiable and non-personally identifiable information.
When you use our Service, you are authorizing sharing your inquiry and your personally identifiable information with vendors who provide ABC data analytics insights and other businesses that provide services that match your inquiry or may provide other valuable benefits. The personally-identifiable information we collect may include, but is not limited to:
- Email address
- Phone number
- Demographic information
- Health information
- Additional financial information that you may provide
While You are visiting this Website, Our hosting Service will automatically track information that may include but is not limited to:
- IP addresses
- Referral information
- Browser details
- Number of page views
- Number of repeat visits
- Internet Service Provider
- Region or geographic location
When you provide your information, you consent to be contacted via automatic telephone dialing system, by artificial/pre-recorded message, by text message at the telephone number you provide, and/or by receiving mail and email at the mailing and email addresses you provide from or on behalf of ABC, insurance carriers or their agents, and partner companies. Your cellular carrier's message and data rates may apply. ABC does not charge you for sending or receiving text messages.
Please note that insurance institutions and services that subscribe to our system may provide insurance products and other services. By submitting your information to us, you are also authorizing these businesses to contact you directly by mail, email, telephone, or text with information about insurance products or other services they offer.
*You expressly consent to receive phone calls and emails regardless of whether you are on any Federal or state DNC ("Do Not Call") and/or DNE ("Do Not Email") list or registry. If you provide your information and we contact you, or you contact us, we may keep a record of your interaction with us, including telephone recordings, email logs, and chat logs.*
You may also provide personal information about other people in your household, such as their name, date of birth, and gender. This information is only used for the sole purpose of completing your request.
If your information changes and you wish to correct, update, amend, or remove your personal information, please contact THE PROVIDER BEFORE CONTACTING ABC. We may retain portions or all of your information as needed to provide you services, comply with our legal obligations, resolve disputes, and enforce our agreements.
ABC and our partners, affiliates, analytics, and service providers use technologies such as cookies, beacons, tags, and scripts. These technologies are used in analyzing trends, administering the site, tracking users' movements around the site, and gathering demographic information about our user base. As a result, we may receive reports based on the use of these technologies by these companies on an individual and aggregated basis.
Like most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.
We may combine this automatically-collected log information with other information we collect about you. We do this to improve and market goods and services we offer you, analytics, or site functionality.
How we protect and secure your information
The security of your personal information is important to us. When you enter sensitive information (such as health and financial information) on our order forms, we encrypt the transmission of that information using secure socket layer technology (SSL).
California resident's privacy rights
Companies that collect personally identifiable information from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties.
ABC has elected the second option, and you may request that your personally-identifiable information not be shared with third parties by sending your request, including your full name, email address, and postal address, to:
Under California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with the California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to firstname.lastname@example.org.
You may "opt out" of any communication from ABC at any time. Use the "unsubscribe" link at the bottom of any email you receive from ABC, and we will remove you from our mailing list. In addition, you may contact us at the address above and request to be removed from our mailing list.
Occasionally, ABC will partner with a third party who may provide additional relevant email advertisements to our consumer's requests.
Unsubscribing from communications from ABC does not guarantee that you will no longer receive communications from our third-party partners; you must contact that third party directly.
Be advised that we cannot control the policies of our third-party partners, nor can we guarantee or represent their compliance with the CAN-SPAM Act or any other state or Federal law.
Links to other websites
Information from minors
Affordable Benefit Choices LLC does not knowingly solicit or collect information from users under the age of 13.
To file a complaint, send an email to email@example.com.
Changes to this policy
Acceptance of terms
IMPORTANT! PLEASE READ CAREFULLY. THIS IS A CONTRACT. YOU ACCEPT ALL TERMS AND CONDITIONS OF THIS AGREEMENT BY USING THIS WEB SITE AND THE SERVICES OFFERED ON THIS WEBSITE. YOUR ACCESS AND USE OF THE WEBSITE CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH TERM AND CONDITION SET FORTH BELOW. If you disagree with any of the following terms or do not agree to be bound by all such terms, do not use this Website or any related services.
Personal and noncommercial use limitations
To use the Services, you must be at least 18 years of age. In consideration of your use of the Services, you agree to provide true, accurate, and current information about yourself as prompted by the required registration forms. This Site is for your personal, noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or Service found on or obtained from the Site, provided that you may download, reproduce, and retransmit ABC Information solely for noncommercial purposes within your organization. With the exception of the foregoing limited authorization, no license or right in any copyright of ABC or any other party is granted or conferred to you.
The Site is provided on an "as is" basis without warranties of any kind, either express or implied, including but not limited to warranties of title or implied warranties of merchantability, fitness for a particular purpose, or non-infringement, other than those warranties which are imposed by and incapable of exclusion, restriction or modification under the laws applicable to this agreement. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. IN NO EVENT SHALL ABC, ITS AGENTS, REPRESENTATIVES, OR LICENSORS be liable for any LOSS OR INJURY OR ANY damages, either direct, indirect, punitive, special, incidental, consequential, or otherwise, resulting from, or in any way connected to, the use of this Site OR ANY ABC INFORMATION, in each case regardless of whether such damages are based on contract, tort, strict liability, or those other theories of liability. Some jurisdictions do not allow the exclusion of implied warranties or consequential or incidental damages, so portions of the above-referenced exclusions may not directly apply to you. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST ABC, ITS AGENTS, REPRESENTATIVES, AND LICENSORS ARISING OUT OF YOUR USE OF THE SITE OR ANY OTHER AFFORDABLE BENEFIT CHOICES INFORMATION.
Copyright and proprietary rights information
The Site may contain technical inaccuracies or typographical errors, or omissions. ABC reserves the right to make changes, corrections, and/or improvements to the Site and to the products and programs described in such information at any time without notice.
This Site contains and references trademarks, patents, trade secrets, technologies, products, processes, or other proprietary rights of ABC. No license or right to or in any such trademarks, patents, trade secrets, technologies, products, processes, and other proprietary rights of ABC and/or other parties is granted to or conferred upon you.
This site may provide consumers with the ability to receive comparative insurance quotations from a network of insurance agents, brokers, and other licensed insurance carriers (hereinafter "carriers"), based on your provided information. These carriers may have one or numerous companies from which they will provide you with quotes. Once you have provided us with the required information by sufficiently completing an appropriate online form, we will refer that information to these carriers, who may contact you directly if they can provide you with a quotation for insurance coverage. In addition, from time to time, these carriers may ask for additional information they may need to obtain an accurate quote. In the event that we do not have sufficient participation in our network in your area, you may receive fewer than five offers.
We do not guarantee that any of the carriers to whom we may forward your information will contact you or agree to provide coverage. We are not responsible, in any way, for the conduct of the carriers to whom we forward your insurance quotation requests. If you need personal advice, an explanation of coverage, an assessment of needs, or specific policy recommendations, consult a licensed insurance agent, broker, or other qualified professional.
We reserve all the rights to our Site contents. At our discretion, we may change the Site's contents, restrict access to specific sections of the Site, or discontinue any aspect of the Site, including, but not limited to, content, features, and hours of availability, without notice or penalty.
Your use of the Service
You must be at least 18 years of age to use the Service. You warrant and agree that, while using the Service, you will not do any of the following:
- impersonate any other person or entity
- submit any information pertaining to a third party without that party's understanding and express consent
- submit false or misleading information
- exploit this Service for any commercial reason
- engage in any activity prohibited under the CAN-SPAM Act
- engage in any criminal or otherwise unlawful behavior
- commit any action which could give rise to civil liability
- restrict others from making use of this Service
- upload or attempt to upload any computer virus, malicious computer code, file program, or any other digital property
- commit any action that interferes with, blocks, or otherwise harms the Service
Links to the Website
You may not establish a hypertext "link" to the Website and/or distribute, modify or re-use the text or graphics of the Site unless you obtain prior express written permission from Affordable Benefit Choices allowing you to do so.
Links to third-party sites
This Site may contain links to sites that third parties control. These linked sites are not under the control of ABC, and ABC is not responsible for the contents of any linked site or any link contained in a linked site. ABC is providing those links to you only as a convenience, and the inclusion of any link does not imply endorsement by ABC of any linked site or constitute any warranty by ABC of any linked site or any items on such site.
Any disputes arising out of or related to the Site shall be governed by and construed, and enforced in accordance with the laws of the State of Texas applicable to contracts entered into and to be performed entirely within the State of Texas.
No unlawful or prohibited use
As a condition of your use of the Site, you warrant to ABC that you will not use the Site for an unlawful or prohibited purpose by these terms, conditions, and notices.
The Service is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we make no representations or warranties of any kind, express or implied, regarding the use of the Service. We disclaim all warranties regarding the accuracy or reliability of the information provided, including the implied warranties of merchantability and fitness for a particular purpose and non-infringement. WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE; WE MAKE A WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS. NO ADVICE, RESULTS, OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.
WE MAKE NO WARRANTIES REGARDING THE AFFILIATION OF ANY CARRIER WHO MAY CONTACT YOU. WE EXPRESSLY DISCLAIM ALL RESPONSIBILITY FOR THE ACTIONS OF ANY CARRIER WHO MAY CONTACT YOU THROUGH THE SERVICE. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SOLE REMEDY IS TO DISCONTINUE ITS USE.
WE ATTEMPT TO PROVIDE ACCURATE INFORMATION REGARDING INSURANCE PRODUCTS AND SERVICES; HOWEVER, WE CAN MAKE NO REPRESENTATION OR WARRANTY AS TO THE ACCURACY OR RELIABILITY OF THIS INFORMATION. AVAILABILITY OF PRODUCTS OR SERVICES MAY VARY BY STATE AND NOT BE AVAILABLE TO YOU.
WE MAKE NO REPRESENTATION, EITHER EXPRESS OR IMPLIED, OF ANY SPONSORSHIP BY ANY COMPANY MENTIONED ON THIS SITE OR OF ANY OTHER RELATIONSHIP WITH ANY SUCH COMPANY. WE MAKE NO GUARANTEE, EXPRESSED OR IMPLIED, THAT A USER WILL BE ABLE TO OBTAIN A QUOTE FROM ANY PARTICULAR COMPANY OR CARRIER MENTIONED ON THIS SITE.
Limitation of Liability
WE SHALL NOT BE LIABLE FOR ANY DAMAGES WHATSOEVER. IN PARTICULAR, WE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES OR ANY DAMAGES FOR LOST PROFITS, LOSS OF REVENUE, OR LOSS OF USE, ARISING OUT OF OR RELATED TO THE SERVICE OR THE INFORMATION CONTAINED IN IT, WHETHER SUCH DAMAGES ARISE IN CONTRACT, NEGLIGENCE, TORT, UNDER STATUTE, IN EQUITY, AT LAW, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
You agree to indemnify and hold harmless the Service (and its parents, directors, officers, employees, subsidiaries, agents, and affiliates) from any and all claims, liabilities, costs, and expenses, including reasonable attorneys' fees and costs, due to or arising in any way from the use or misuse by you of the Service, your violation of these Terms and Conditions, your violation of any law, or infringement by you of any right of any person or entity.
We retain all rights, title, and interest in and to the Service, including all content, data, materials, specific implementations of XHTML, CSS, and other code, the look and feel, the design, and all other aspects of the trade dress of this Site, and retain all intellectual and property rights therein.
Third-party logotypes, brand marks, and service marks are the property of their respective owners.
Use of the Service by you does not grant you ownership, and any commercial use or exploitation of the Service is expressly prohibited. You may not exploit, copy, redistribute, or reproduce any aspect of the Service. Doing so may violate applicable Federal and state laws and subject you to liability.
If any provision of these Terms and Conditions is found to be invalid or unenforceable, the other provisions shall remain in full force and effect. Further, you agree that for any provision that may be found to be invalid and unenforceable, you shall ask the court to endeavor to give effect to the intent of the provision. These Terms and Conditions constitute the full understanding between you and us. Finally, you agree that any claim arising from or related to the Service must be filed within twelve (12) months of your use of the Service, regardless of any statute or law to the contrary.
Changes and Updates
We reserve the right to change and update these Terms and Conditions at any time, at our sole discretion. An updated copy of these Terms and Conditions will be posted and accessible on this Site at all times.
Affordable Benefit Choices is a leading online source of information for people seeking to learn more about their insurance options. Affordable Benefit Choices also matches people needing insurance services with insurance professionals who can provide those services. The use of our matching service is free for consumers.
Affordable Benefit Choices does not provide financial services or endorse any third-party financial service provider. Affordable Benefit Choices is not affiliated with any third-party financial service provider. Any information, logotypes, brand marks, trademarks, and service marks of or about any third-party company or financial service provider is provided strictly on an informational basis. It does not imply an endorsement by or relationship with that third party.
While every effort is made to ensure the accuracy of the content of the Affordable Benefit Choices network, we cannot be held accountable for typographical errors, errors of fact, or any other error or inconsistency found on this or any other Affordable Benefit Choices website. We hereby disclaim all liability for any damages resulting from the use of this or any other Affordable Benefit Choices website or the services provided on this or any other Affordable Benefit Choices website.
We will retain your information for as long as your account is active or as needed to provide services. We will use your information to comply with our legal obligations, resolve disputes, and enforce our agreements.
ABC serves as an enrollment vendor to group health plans when serving in that capacity. ABC is not a fiduciary, advisor, claims or plan administrator, or serving in any other role except fulfilling enrollment needs of the plan. ABC only uses data collected or contacts plan participants as needed to fulfill its role as an enrollment vendor and as permitted by the plan sponsor. ABC may perform its function related to individual insurance options/products/education for plan participants of group health plans as a separate service as permitted by plan sponsors and subject to the terms and conditions outlined herein.